Find the right dental insurance for you. Insurance company offers traditional fee-for-service, dental PPO and prepaid program options for individuals and families looking for dental insurance.
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 DENTAL INSURANCE
INDIVIDUAL DENTAL INSURANCE
FAMILY DENTAL INSURANCE PLANS
Individual - Family Dental Insurance Plan Quotes

Insurance Company offers individual and family dental insurance plans in all 50 states. Dental Insurance Company is a national leader of individual dental care related products with an online e-market place to compare affordable low cost monthly dental insurance options from the nations largest dental companies.

It is easy to compare family and individual dental insurance plans and decide which one is right for you and your family. Many of the dental plans of insurance have next day benefits and services from well established individual and family dentists in local dental offices near you.

Buying individual dental insurance or family dental plans does not have to be a painful process because most dental insurance plans offer low cost monthly payment options with immediate or next dental coverage. InsuranceCompany.com a dental specialist in individual dental insurance and affordable low monthly family dental insurance and dental discount plans, vision and prescription coverage programs. We have been serving the dental insurance community since 1983, you will find our licensed dental insurance agents ready to assist you.
 

All types of individual dental insurance and family dental is covered by affordable insurance plans and you can find a local dental office near you. We have dental associates that can explain the services, discounts, and coverage. There are over 100+ dental plans to fit your monthly budget. Some offer a cheap price and yet have the best dental providers.

Dental insurance plan quotes are available on a state by state basis in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

 

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What are Dental HMO's

HMO Insurance Networks
DHMO refers to a dental health maintenance organization that helps you find the best...

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office.

A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The individual and family dentist is paid on a per capita (per person) basis rather than for actual treatment provided.

Participating individual and family dental offices receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:

- Monthly premiums (some require you to prepay a year's worth)

- Co-payments for office visits

- Free preventive or routine care

- You must select from an approved network of individual and family providers

- May have an initial enrollment fee

- Annual dollar cap

- Your average monthly cost: $25 to $45

- Companies selling these plans are regulated by state insurance departments.

Paying the Individual and Family Dental Office
 When choosing a benefits plan, it is important to know who pays what to whom. Dental plans can be categorized into three types based on the compensation and treatment provided...

Best Individual - Family Dental Insurance PlansUnderstanding the various types of individual dental insurance and family dental insurance plans is important when trying to buy the right plan for you and your family.

Finding the right value in individual dental insurance or dental plans is an important step in purchasing dental coverage for you and your family.

Both types of individual dental insurance plans have advantages and disadvantages and one size does not fit everyone. Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs.

We sell both individual and family dental insurance and dental discount plans throughout all 50 states. Here are some brief examples that may help you decide even in an emergency. This is helpful since some of the dental plan services are free which is good for you and your family.

Indemnity - Individual Dental Insurance

This is the plan where you choose your own individual or family dentist. The dental insurance plan pays the dental office on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses them for the services rendered.

A dental insurance company usually pays between 50% - 80% of the family or individual dental office fees for a covered procedures; the remaining 20% - 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity dental plans also can limit the amount of services covered within a given year and pay them based on a variety of fee schedules. Some typical features of these plans:

  • High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services)

  • Probationary periods on certain procedures that last up to a year

  • Annual dollar limit on benefits

  • Chose your own individual or family dentist

  • Your average monthly cost: $15 and up

  • Companies selling these plans are regulated by state insurance departments.

Learning About Dental PPO's

Preferred Provider Organizations

Another true dental insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of individual dental insurance dentists. This type could be used to provide dental gap insurance.

The participating individual or family office agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see one who is not designated as a "preferred provider," that patient may be required to pay a greater share of the fee-for-service. 

A group of individual or family dentistry providers agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

  • Monthly premiums

  • Annual dollar cap

  • You must stay within the approved network of individual or family dentists or pay higher deductibles and co-payments

  • Your average monthly cost: $20-25

  • Dental companies selling these plans are regulated by state insurance departments.

This site has up-to-date information on individual and family dental, offices, companies, dentists, and coverage for babies, children, kids, teenagers, young adults, adults, retirees and more. Find the right dental insurance for you by entering your zip code.

Family dental insurance plan is a very great way to cover your family, at reduced costs.  If we are unable to offer a dental insurance plan, we will provide a dental discount plan, if available, and clearly state it.  A dental insurance policy may help considerably with the costs, often paying 100% of the expense of preventive benefits. 

With individual dental insurance plans for you and your family, we can help make it easier to keep your smile healthy.  Our individual dental insurance plans provide you with the coverage you need to promote good dental health. 

We feature a wide variety of dental insurance plans.  Some dental plans are administered by Delta Dental Insurance Company, part of the nation’s oldest and largest dental benefits system. 

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Choosing an Individual or Family Dental Plan that is accepted by the Dental Office
 Dental benefits plans can be categorized by the options offered for selecting one. Some plans allow you the freedom to choose your own...

Direct Reimbursement Plans

A dental insurance care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.

You, the patient, pay the full amount directly to the individual or family dentist who accepts dental insurance, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental insurance costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.
Some typical features of a direct reimbursement plan:

    Some typical features of a direct reimbursement plan:

  • Neither you nor your employer pay monthly premiums

  • Freedom to choose any individual or family dental office

  • Typical employer cost: depends on the number of employees and

  • benefit caps

  • Benefits usually capped at $500 to $2,000 annually.
 

Individual Dental Insurance - Plans and Benefits

It is our pledge to provide individuals and families with the easiest way to compare and purchase affordable, quality family and individual dental insurance and discount protection.  How Individual Dental Insurance Works - Dental insurance works similar to how health insurance works.  Individual or family members participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you. 

Our individual discount dental plans may be used as alternatives to dental insurance options or along with existing dental insurance plans for even more savings on most dental care procedures. Individual discount dental plans are dental insurance alternatives that offer attractive dental care savings.  Most people that have an individual or family dental insurance plan have it provided to them under an employer-sponsored group dental insurance plan. 

Other people may have an individual health insurance plan in which dental insurance is a supplemental option available to them through the same insurance company.  Regardless of the type of individual dental insurance you have, you should consider the different individual health insurance options available to you as either an affordable replacement to your current plan or a supplement for additional coverage. 

When shopping for individual, family or group dental insurance quotes, always review the dental plan coverage description thoroughly for any variations in coverage levels.  Compare dental insurance plans and decide which one is right for you and your family.  We offer individual dental insurance benefit coverage in all 50 states.  Student dental insurance is one of the most affordable insurance plans available. 

For your individual dental health, you need to take care of two things -- Your daily dental teeth care: A well planned dental insurance plan.  We will provide you with that information, what are the most affordable dental insurance plans around, making terms such as insurance quotes, direct reimbursement, family discount options, financial availability and premium capitation a breeze.  There is a difference between traditional dental insurance plans and discount plans.

Dental Insurance Individual Plan Types: Similar to medical insurance plans, dental insurance plans are often categorized as either Indemnity or managed-care plans.  Dental insurance functions in the similar manner to that of an auto insurance in providing you compensation.  Dental Insurance Plan Choices - Indemnity Plan: An indemnity dental insurance plan allows you to select your own individual or family dental dentist. 

Individual dental insurance plans differ in the level of reimbursement offered for certain procedures and in annual dental spending caps.  Dental Insurance Plans and Programs Dental health is extremely important for individuals and families and it’s financially helpful to have some form of dental coverage to minimize the costs of dental care. 

Popular individual dental insurance companies - Aetna, Delta Dental sell these plans.  Root canals can cost a fortune and dental insurance can help reduce how much you pay.  Understanding the various types of individual and family dental insurance and dental discount plans is important when trying to buy the right plan. 

We sell both individual and family dental insurance and dental discount plans throughout all 50 states.  This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. Indemnity, PPO, discount, DHMO, private full coverage quotes from top rated dental companies such as Aetna, CIGNA, Delta Dental, CAREington, MultiFlex, Nationwide,  Standard Life, Blue Cross, Blue Shield, United Concordia, Humana, are among the best in America.
 

Dental Insurance Disclosure

The dental insurance programs listed are based upon the zip code you entered and their availability. If we are unable to offer a dental insurance plan, we will provide a dental discount plan, if available, and clearly state it. Please be sure to contact the plan dental office to confirm they are accepting new patients and they are accepting the dental plan you have selected. If you have any dental plan questions please feel free to contact our office during regular business hours. You will find our licensed insurance agents ready to assist you.

Our dental web site is very clear if you are selecting a dental insurance plan or a dental discount plan. We understand that there are many dental plan web sites popping-up all over the internet, claiming to offer "dental insurance" when in fact they do not and are not licensed to offer a dental insurance plan. If you find a site that says they offer dental insurance, they are "required" to show their insurance license information on the web site, as noted at the bottom of this page.

If they don't, then report them to your local state department of insurance. If you find a dental web site stating they offer "dental insurance" and in fact they don't, then take the opportunity to report that site to the search engine you found them on. Our entire staff is licensed to offer, sell and service dental insurance. Always ask to speak with a licensed insurance agent. Ask them if they are licensed. Full disclosure is our guarantee...
 

Members can save on all dental charges and procedures including dental restorative cosmetic work (fillings, dental crowns, dental braces, dental implant's) and dental product related items, etc.), dental hygiene services, preventative work (teeth cleaning, x-rays, etc).  General dentistry, dental hygienist, dental assistant, dental assisting and all specialties where available are covered.

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This is not an attempt to describe the product coverage and its' contents but merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website. The use of this website is acceptance of the sites' privacy statement. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. A physical and/or background inspection may be done to verify the information provided. The quote(s) will be based up on the underwriting information you supplied and the quote(s) is/are subject to change upon inspection and review by the underwriting company. The underwriting company reserves the right to determine the final coverage, premium and acceptability  If you have any questions regarding the information collected, please contact the agency. All quotes are provided by DEL AMO Insurance Services, Inc,. DBA:  InsComp Insurance Services and/or one of it's affiliated agents, brokers, agencies, brokerages, and/or companies  Lic: 0B93601  Agent David Blunt, Lic: 0638553. Commercial use by others is prohibited by law. No portion of any news or information from this website may be photocopied, faxed, mailed, distributed, transmitted, published, broadcasted, duplicated, or re-distributed in any manner for any purpose without prior written authorization of its' owner.

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2010-09-02T10:08:25+00:00